As you've all experienced, the majority of your clients who are couples come together as a packaged deal.  So what happens when a couple applies for a LTCi policy and only one is approved? In most cases, the spouse who received the green light may no longer want a policy with a carrier who rejected...

Developing a plan for an entire year can be a daunting task.  With so many days ahead of you, it's easy to get sidetracked and let a few months of inactivity slip and sabotage your success.  It's time to take a more disciplined approach. Stay Motivated All Year Be sure to write down your business...

In the competitive world of financial services, business professionals are always looking for ways to add value to help differentiate themselves. In a market of one-stop shopping, becoming the local LTC resource can help you stand out in the crowd. Build Your Brand Develop relationships by contacting...

Most people envision themselves living a long life, investing and planning throughout their working years to create a financially secure future where they can enjoy spending time doing their favorite things. As part of your client’s financial planning process, it’s important to understand the potential...

There are numerous people you know that need Long-Term Care Insurance, many of them include your current clients.  Perhaps you have already sold them a Life Insurance Policy, yet how do you get them interested in LTC? Cross Selling can be difficult, yet when you present your client with information...

Eat your cake and have it too Clients today are looking for solutions with the flexibility to handle multiple financial needs in a variety of potential scenarios.  A common complaint about Long-Term Care is many clients feel the likelihood they should have an extended health care event is zero. Traditional...

Although people that are approaching retirement age are great candidates for Long-Term Care Insurance, there is a rising trend in younger people purchasing a policy to protect their future. According to the American Association for Long-Term Care Insurance, 26% of LTCi policies are sold to people age 45 to 54. So...

Getting your clients to talk about Long-Term Care can be very challenging.  Many clients don’t believe that it will happen to them.  They are under the impression they will not be among the 70% of Americans who need LTC at some point in their life. So how do you get people interested and talking? ...

When you approach clients about Long-Term Care Insurance, be sure to ask where and how they would like to receive care should the need arise some day.  Chances are, they’ll want to stay at home. 65% of long-term care is provided in the home - either in the home of the person receiving care or at a family...

Everyone knows what cash can do.  Use this simple concept to demonstrate the value of purchasing a Long-Term Care policy that includes a built-in cash benefit. Take out a piece of paper and write on it vertically: A, B, C. A is for Assets When the need for Long-Term Care first arises, many people...